Whenever the press and finan­cial services industry unite around a story line, it’s probably worth a second look. The idea that America is headed for a retirement crisis is one of those mantras, but in a recent study, analysts with retirement plan consultant Towers Watson reached a somewhat rosier conclusion.

If you are 65 or older and work­ing for an employer who provides health insurance, it still may be im­portant for you to sign up for Medi­care. Medicare rules require enroll­ment for those over 65 who are not covered by an employer’s health plan that covers at least 20 employ­ees.